Last updated: March 2026
How Much Does Dialysis (Hemodialysis/Peritoneal) Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| In-Center Hemodialysis (per year) | $50,000 – $90,000 | $5,000 – $15,000 |
| Home Hemodialysis (per year) | $40,000 – $70,000 | $4,000 – $12,000 |
| Peritoneal Dialysis (per year) | $35,000 – $60,000 | $3,000 – $10,000 |
| Single Hemodialysis Session | $300 – $600 | $30 – $100 |
CPT/ADA Code: 90935
What Affects the Cost
- Brand-name vs. generic availability
- Insurance formulary tier placement
- Pharmacy choice (retail vs. mail-order vs. Costco)
- Manufacturer savings cards and coupons
- Dosage and quantity prescribed
- Geographic location
Insurance Coverage
Typical coverage: Medically necessary — covered; Medicare provides coverage for ESRD regardless of age
Most insurance plans use a tiered formulary: Tier 1 (generic) $0-$15 copay, Tier 2 (preferred brand) $25-$75, Tier 3 (non-preferred brand) $50-$150, Tier 4 (specialty) $100-$500+. Prior authorization may be required for certain medications. Step therapy may require trying cheaper alternatives first.
How to Save Money
- Always ask for generic when available — saves 50-90%
- Use GoodRx, RxSaver, or similar discount cards
- Costco pharmacy is open to non-members and often has lowest prices
- Mark Cuban's Cost Plus Drugs offers transparent low pricing
- Manufacturer patient assistance programs provide free medication to qualifying patients
- HSA/FSA funds can cover medication costs tax-free
Related Procedures & Costs
Frequently Asked Questions
Dialysis costs $50,000 to $90,000 per year without insurance. In-center hemodialysis three times a week is the most common and expensive form.
Yes, Medicare covers dialysis for patients with end-stage renal disease (ESRD) regardless of age. Coverage begins after a waiting period unless already Medicare-eligible.
Average life expectancy on dialysis is 5-10 years, but many patients live much longer. A kidney transplant offers the best long-term outcome.